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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $354,075 | $107,368+229.8% | $92,915+281.1% | $152,909+131.6% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 24.72% | 145.64%-120.9pp | 109.45%-84.7pp | 345.46%-320.7pp |
| Employer contribution / active EE | $9,178 | $4,222+117.4% | $3,653+151.2% | $4,764+92.7% |
| Participant deferral / active EE | $9,343 | $4,848+92.7% | $4,238+120.4% | $5,851+59.7% |
| Admin fee / account holder | $938 | $7,082-86.8% | $5,796-83.8% | $11,601-91.9% |